I was an early Simple customer but ended up leaving the service when I found out their policy on being a digital nomad (not having a residential US address) was very strict. As one of the first online banks (I know Ally was a little ahead of them), I found this policy strangely prohibitive and closed my account. I ended up going to Navy Federal because my grandpa served in the Coast Guard and my experience with them has been phenomenal. Really no issues at all, no fees, website and app work as well as I need them to. I liked keeping my car loan in-house there and will eventually open a mortgage with them. The few times I've needed to visit a branch have been painfree. And because they're a military bank, they aren't as rigidly opposed to international addresses (but I use my friends US address and other services for international transactions just to be safe).